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Typical amounts from $10,000 to $150,000+
1 to 7-year terms — set repayments to suit your cash flow
Eligible applications can be assessed the same day
Dealer, auction or private sale supported
Lock in fixed repayments so you always know what’s due
Bull bars, tow kits, canopies and trays can often be bundled
Tell us about you, the ute or truck you want, and your budget.
Compare secured vs unsecured, fixed vs variable — side by side.
ID, income and recent bank statements usually do the trick.
We coordinate with the lender and seller so you can pick up sooner.

Need a dual-cab for the family and the job site, or stepping up to a full-size truck for towing? A ute or truck loan lets you buy now and spread the cost into manageable repayments over 1–7 years. You keep your savings intact while getting the capability you want — payload, towing, 4x4, accessories — right away.
Lenders look at your income, credit history and the vehicle’s age/value to size the loan and set the rate. Newer vehicles (including RAM 1500/2500, Ford F-150/F-250 and Silverado) can unlock sharper pricing and longer terms; older models are still financeable with slightly different limits. The right structure makes the difference between a stretch and a comfortable fit.
Jump to the section you need.
Pick the structure that fits your budget and ownership plans:
Tailor your finance to how you actually use your vehicle — weekday workhorse, weekend adventure or both.
Finance a HiLux, Ranger, BT-50, D-MAX or Triton fitted with trays, canopies, ladder racks and drawers so you can carry tools safely and stay organised.
Get a safe, roomy dual-cab with ISOFIX and modern safety tech — perfect for school runs and weekend trips.
Step up to a 4x4 build with suspension, bull bar, tow kit and snorkel — or go full touring spec for the Big Lap.
Need serious tow capacity for a boat, caravan or car trailer? Consider full-size trucks like RAM 1500/2500, F-150/F-250 or Silverado.
Mountain bikes, surfboards, camping gear — set up your rig for the hobbies that make weekends worth it.
Upgrade from an unreliable ute into something safer, stronger and more efficient without a big upfront hit.

Alex & Priya
Challenge: Towing a 3.5-tonne caravan safely meant stepping beyond their old ute, but Alex and Priya didn’t want repayments derailing the household budget.
Solution: A secured, fixed-rate 5-year loan funded 90% of a low-km RAM 1500, with tow package, brake controller and canopy bundled at settlement.
Emu Money compared multiple lenders and they chose a sharp fixed rate with one consolidated repayment. The result was a calmer, more capable tow rig and a calendar full of longer trips—no giant deposit, no surprises, and monthly costs that stay comfortably on track.
Loan sizes typically range from $10,000 to $150,000+. New utes and full-size trucks can often be financed up to 100% of the purchase price (subject to profile and lender policy). Used vehicles are usually capped at 80–90% of value.
Terms run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. We’ll help you find the balance that fits your budget.
Balance over time
Lenders want to see that the repayments fit comfortably alongside your other bills. They’ll consider your income, employment stability, credit history and bank-statement health. The vehicle matters too — newer utes and trucks (including RAM, F-Series and Silverado) often attract sharper rates and longer terms, while older models may come with lower maximum LVRs and shorter terms.
If your credit isn’t perfect or you’re self-employed, there are still options. Specialist lenders may offer flexible policies so you can get into the right vehicle without unnecessary hurdles.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide recent bank statements or payslips
Buying an eligible new or used ute/truck from a dealer, auction or private seller
Apply online in a few minutes, upload your documents, and we’ll do the legwork. We’ll compare lender offers, explain the differences, and manage settlement with the seller so pickup is smooth.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details
Vehicle details (VIN, rego, invoice/quote) — plus accessory quotes if you’re bundling fit-outs
Look beyond the headline rate. Secured loans usually price sharper than unsecured. A balloon can cut monthly repayments but leaves a lump sum at the end — set the balloon to align with expected resale value. Newer vehicles often qualify for better pricing and longer terms. Bundle accessories (tow kits, canopy, tray, bull bar) at settlement so they’re financed at the same competitive rate. And always check fees and early-repayment policies to avoid bill-shock later.
Example: Balloon impact — $55,000 over 60 months at 8.19% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,121 | Highest monthly cost |
10% ($5,500) | $1,009 | Lower monthly cost |
20% ($11,000) | $898 | Balance of cost vs cash flow |
30% ($16,500) | $787 | Lowest monthly cost; plan for resale/refinance |
These features change cost, flexibility and risk — pick what suits how you use your vehicle:
Secured loans use the vehicle as collateral for sharper pricing. Unsecured loans can be faster and more flexible but usually cost more.
Fixed keeps repayments steady. Variable can move with the market — potential savings if rates fall, higher costs if they rise.
Lower your monthly cost by deferring a lump sum to the end. Make sure resale value or savings can cover it.
Some lenders allow extra repayments or early payout with little/no penalty — a simple way to save interest.
Check establishment, monthly and exit fees. The total cost is rate + fees + how long you hold the loan.
Verified Review
I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!
Kaila B.
Verified Review
Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!
Barend B.
Verified Review
The process with Emu Money has been fantastic — completely stress-free. Thank you EMU Money I cannot thank the team enough. Having been given an opportunity to get a loan when my bank turned us away. The service team has been absolutely brilliant. When you've become used to waiting times of an hour or more with other companies - I don't think I have waited more than a couple of minutes for this team. Plus, their phone staff are so nice to deal with. Great job. I just had to acknowledge it.
Pardeep M.
Verified Review
I had the absolute pleasure of working with Bindiya Patel, and I can’t thank her enough for her immense help and outstanding service throughout the entire finance process. From the very beginning, she was professional, patient, and extremely knowledgeable, guiding me through every detail with genuine care. Bindiya went above and beyond to make sure everything was handled smoothly and efficiently. Her communication was always clear and prompt, and she made what could have been a stressful process feel easy and comfortable. I truly appreciate her dedication, honesty, and the personal touch she brings to her work. I would highly recommend Bindiya Patel to anyone looking for a trustworthy and supportive finance agent. She is simply amazing at what she does!
Jananie V.
Verified Review
We recently purchased a vehicle. Peter was very helpful, with clear instructions and real outcomes. Within 48 hrs the deal was done, only 3-5 emails, a couple of phone calls. That was a super efficient experience. We would go back!
Kishan K.
Verified Review
Robyn from Emu was a pleasure to deal with and was honest in her approach and recommendations. Loan was completed in line with the expectations set.
Kerry B.
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